Budget Direct Gold Low Kilometres Comprehensive gives you the option to insure your car up to an agreed value, or its market value. Budget Direct is Auto & General's flagship brand. This policy is the same as Gold Comprehensive, {{{{{but in exchange for a lower premium you're limited in how far your car can be driven in a year}}}}}. Choice of repairer is an optional extra, otherwise you can get your car fixed at a shop chosen by the insurer. Reduced excess for glass damage is available as an optional extra. For some annoying reason the PDS is split into two separate documents, which can make it complicated to figure out what you are covered for.
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Description
- Insurer
- Budget Direct
- Policy
- Gold Low Kilometres Comprehensive
- Provider
- Auto & General
- About the insurer
- Budget Direct
Cost
Results for paid members only
- Same price to pay monthly
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Additional benefits
- Cover for personal property
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- Up to $500
- Limit combined with child seats benefit
- Covers items designed to be worn or carried
- Cover for child seats
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- Up to $500
- Limit combined with personal effects benefit
- Covers child seats and capsules
- Cover for keys
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- Up to $1000
- Covers replacement keys, remote locking devices and proximity keys; and recoding locks
- Available after theft of keys
- Cover for trailers and caravans
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- Up to $1000
- Covers collision damage to trailer
- Accommodation and transport when far from home
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- Up to $1000 overall
- Covers transport for driver and occupants to address where vehicle normally kept at night
- Alternatively, claim temporary accommodation
- Available if vehicle is damaged in a covered incident
- Up to $200 per day
- Transport costs
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- Up to $1000
- Limit combined with emergency accommodation benefit
- Up to $200 per day
- Covers transport for driver and occupants to address where vehicle normally kept at night
- Towing after an incident
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- Covers recovery and towing of car to nearest repairer or holding facility
- Also covers storage costs
- New car replacement
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- Covered for total loss within 2 years of purchase
- Must have fewer than 40000km
- Reduced excess on glass claims
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- Optional
- $40 excess
- Covers front, rear and side windows
- Roadside assistance
- Optional
Car rental
- Rental car after theft
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- Covers costs of hiring a car that meets your needs
- Available for up to 21 days
- Up to $1500
- Rental car after not-at-fault incident
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- Covers a hire car that meets your needs, arranged by the insurer
- Available until claim settled
- Up to $75 per day if hire car not available
- Rental car after any incident
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- Optional
- Applies after at fault accident
- Covers a hire car that meets your needs, arranged by the insurer
- Available for up to 21 days
- Up to $75 per day if hire car not available
Covered events
- Comprehensive Cover
- Legal liability
- $20 million
- How your car is valued
- Choose agreed value or market value
